How Much Does Insurance Cost for a Honda Accord in Texas?

Your odds of finding cheaper coverage for a Honda Accord in Texas is contingent on an enormous amount of rating factors such as your marital status, if you currently have coverage, and violations on your driving record. Texas drivers pay around $1,160 per year to insure an Accord, but that cost is an estimation based upon a 40-year-old single female that has comprehensive and collision coverage and $500 deductibles.

There is a very good chance that you aren’t exactly 40 years old or even a female, possibly married instead of single, and you might want liability-only or different deductibles. Just a slight change in the factors used to determine rates can make a large difference in how much coverage for a Honda Accord costs.

Each driver’s needs are different, and that demonstrates why the best way to quote affordable rates for your Honda is to put in the effort and compare rates.

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Your vehicle’s trim level tends to have a direct effect on the annual cost of coverage, so the rate you pay to insure a Accord LX 4-Dr Sedan trim level will be $410 less expensive the price to insure the fancier Accord EX-L 2-Dr Coupe version, as shown below.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in Texas location which can decrease or increase price quotes greatly.

Finding the top car insurance company can be difficult considering how many companies provide coverage in Texas. The ranking information in the next section could help you decide which providers to look at purchasing a policy from. These ratings are only made up of companies that insure vehicles across America, so companies that may only write in Texas are not included in the list.

Does full coverage make sense?

Finding cheap insurance for a Honda Accord in Texas is probably important to the majority of drivers, and one of the best ways to pay lower rates for insurance is to not buy full coverage. The diagram below visualizes the comparison of insurance costs with liability coverage only compared to full coverage. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2709,1151],[‘Age 30’, 1433,633],[‘Age 40’, 1393,587],[‘Age 50’, 1275,549],[‘Age 60’, 1241,541],[‘Age 70’, 1539,721]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord in Texas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an overall average, physical damage insurance costs an additional $1,598 per year more than carrying just liability coverage. At some point, every insured wonders if buying full coverage is worth the money. There is no set guideline of when to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

Drive safe and save

The ideal way to obtain cheap insurance for a Honda Accord in Texas is to drive carefully and not have accidents or get tickets. The diagram below illustrates how violations and at-fault collisions impact car insurance rates for different insured age categories. The costs are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2951,3599,5991],[‘Age 30’, 1549,2199,4593],[‘Age 40’, 1493,2145,4533],[‘Age 50’, 1367,2015,4409],[‘Age 60’, 1341,1991,4383],[‘Age 70’, 1547,2195,4587]]);var options = {title: ‘Effect of Violations and Accidents on Texas Honda Accord Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord in Texas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of car insurance per year with no violations or accidents is $1,708. Get two speeding tickets and the average cost hikes up to $2,357, an increase of $649 each year. Then include two accidents along with the two speeding tickets and the annual cost of car insurance for a Honda Accord goes up to an average of $4,749. That’s an increase of $3,041, or $253 per month, just for not maintaining a clean driving record!

Allstate, Progressive, State Farm, or Geico: Which is best?

If you are looking for the best insurance for an Accord, the four most popular companies are Allstate, Progressive, State Farm, and Geico. The table below ranks price, claims, and customer service ratings, as well as some optional coverages that you can purchase from each one.